Toyota Sequoia Insurance Rates

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UPDATED: May 27, 2024

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U.S. average insurance rates for a Toyota Sequoia are $1,454 a year for full coverage insurance. Comprehensive insurance costs an estimated $332, collision costs $566, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $3,136 or more. Teen drivers pay the highest rates at $5,348 a year or more.

Average premium for full coverage: $1,454

Price estimates broken down by individual coverage:

Comprehensive $332
Collision $566
Liability $398

Prices are based on $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for all Sequoia models.

Price Range from Low to High

For an average driver, Toyota Sequoia insurance prices go from the low end price of $460 for the bare minimum liability coverage to the much higher price of $3,136 for high-risk insurance.

Liability Only $460
Full Coverage $1,454
High Risk $3,136

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have lower incidents of physical damage claims than larger metro areas.

The example below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,091
Small Cities $1,527
Large Cities $1,963

The ranges above illustrate why everyone should compare rates quotes for a targeted area, instead of making a decision based on price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below illustrates estimated Toyota Sequoia insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $836
  • Raising to $1,000 deductibles will save approximately $204 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,454
  • Choosing pricier low deductibles will cost an additional $394 annually
  • Drivers with multiple violations and an at-fault accident could pay up to $3,136 or more
  • The price that insures a 16-year-old driver for full coverage can cost as much as $5,348

View Chart as Image

Toyota Sequoia insurance cost comparison chart
Column chart showing full coverage Toyota Sequoia insurance prices range from $836 to $5,348

Auto insurance prices for a Toyota Sequoia are also quite variable based on the model of your Sequoia, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium each year, depending on your age. Toyota Sequoia insurance for high-risk drivers is expensive and can cost from 43% to 131% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in also has a big influence on Toyota Sequoia insurance prices. A middle-age driver might find prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,970 on average in Florida, New York, and Michigan.

Toyota Sequoia Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,316 -$138 -9.5%
Alaska $1,116 -$338 -23.2%
Arizona $1,208 -$246 -16.9%
Arkansas $1,454 -$0 0.0%
California $1,658 $204 14.0%
Colorado $1,388 -$66 -4.5%
Connecticut $1,496 $42 2.9%
Delaware $1,646 $192 13.2%
Florida $1,820 $366 25.2%
Georgia $1,344 -$110 -7.6%
Hawaii $1,044 -$410 -28.2%
Idaho $984 -$470 -32.3%
Illinois $1,086 -$368 -25.3%
Indiana $1,096 -$358 -24.6%
Iowa $982 -$472 -32.5%
Kansas $1,384 -$70 -4.8%
Kentucky $1,984 $530 36.5%
Louisiana $2,154 $700 48.1%
Maine $898 -$556 -38.2%
Maryland $1,200 -$254 -17.5%
Massachusetts $1,164 -$290 -19.9%
Michigan $2,528 $1,074 73.9%
Minnesota $1,218 -$236 -16.2%
Mississippi $1,744 $290 19.9%
Missouri $1,290 -$164 -11.3%
Montana $1,562 $108 7.4%
Nebraska $1,148 -$306 -21.0%
Nevada $1,746 $292 20.1%
New Hampshire $1,050 -$404 -27.8%
New Jersey $1,626 $172 11.8%
New Mexico $1,290 -$164 -11.3%
New York $1,534 $80 5.5%
North Carolina $838 -$616 -42.4%
North Dakota $1,192 -$262 -18.0%
Ohio $1,004 -$450 -30.9%
Oklahoma $1,496 $42 2.9%
Oregon $1,332 -$122 -8.4%
Pennsylvania $1,388 -$66 -4.5%
Rhode Island $1,942 $488 33.6%
South Carolina $1,318 -$136 -9.4%
South Dakota $1,228 -$226 -15.5%
Tennessee $1,274 -$180 -12.4%
Texas $1,754 $300 20.6%
Utah $1,078 -$376 -25.9%
Vermont $996 -$458 -31.5%
Virginia $870 -$584 -40.2%
Washington $1,126 -$328 -22.6%
West Virginia $1,334 -$120 -8.3%
Wisconsin $1,008 -$446 -30.7%
Wyoming $1,296 -$158 -10.9%

View Chart as Image

Toyota Sequoia insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $358 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Toyota Sequoia Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Toyota Sequoia SR/5 2WD $1,368 $114
Toyota Sequoia SR/5 4WD $1,412 $118
Toyota Sequoia Limited 2WD $1,454 $121
Toyota Sequoia Limited 4WD $1,496 $125
Toyota Sequoia Platinum 2WD $1,538 $128
Toyota Sequoia Platinum 4WD $1,538 $128

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Toyota Sequoia Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Toyota Sequoia $346 $570 $390 $1,464
2023 Toyota Sequoia $332 $566 $398 $1,454
2022 Toyota Sequoia $320 $552 $416 $1,446
2021 Toyota Sequoia $310 $530 $430 $1,428
2020 Toyota Sequoia $292 $512 $442 $1,404
2019 Toyota Sequoia $282 $474 $452 $1,366
2018 Toyota Sequoia $270 $446 $456 $1,330
2017 Toyota Sequoia $258 $400 $460 $1,276
2016 Toyota Sequoia $242 $368 $460 $1,228
2012 Toyota Sequoia $206 $272 $478 $1,114
2010 Toyota Sequoia $180 $226 $474 $1,038
2008 Toyota Sequoia $172 $198 $460 $988
2007 Toyota Sequoia $168 $188 $452 $966
2006 Toyota Sequoia $154 $180 $446 $938
2005 Toyota Sequoia $150 $170 $442 $920

Rates are averaged for all Toyota Sequoia models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Toyota Sequoia Insurance

Getting lower rates on insurance for a Toyota Sequoia consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief review of the material that was covered in the above illustrations.

  • Insureds who want more liability coverage will pay about $440 annually to raise from a low limit to the 250/500 level
  • Teen drivers are the costliest to insure, as much as $446 a month if the policy includes full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,680 more annually to insure their Sequoia
  • Increasing physical damage deductibles can save approximately $600 each year

Rates by Driver Age

Toyota Sequoia Insurance Rates by Driver Age
Driver Age Premium
16 $5,348
20 $3,342
30 $1,522
40 $1,454
50 $1,328
60 $1,302

Full coverage, $500 deductibles

Rates by Deductible

Toyota Sequoia Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,848
$250 $1,666
$500 $1,454
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Toyota Sequoia Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,454
50/100 $1,618
100/300 $1,717
250/500 $1,976
100 CSL $1,657
300 CSL $1,876
500 CSL $2,036

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Sequoia Insurance Rates for High Risk Drivers
Age Premium
16 $7,638
20 $5,310
30 $3,212
40 $3,136
50 $2,992
60 $2,966

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $200

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $94
Paid in Full/EFT $67
Advance Quote $72
Online Quote $104
Total Discounts $618
Rate after discounts $836

Discounts are estimated and may not be available from every company or in every state.

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